Open Door Lending

08/10/2026

Rate buydowns just got a serious upgrade. Through August 31st, we’re able to offer buyers steep discounts on buydown costs through United Wholesale Mortgage , meaning more savings, less upfront cash. Combine that with seller concessions, and it’s one of the smartest ways to lower your payment without waiting on the Fed. Reach out before this offer wraps up!

08/07/2026

T.G.I.F. except you're always working. 😅

08/05/2026

Attention medical professionals 🩺🏡 if student debt or a lack of down payment savings has kept you from buying a home, listen up.

We already offer several physician loan options, but we just rolled out an amazing new program: 0% down. And what I love most is how inclusive it is. So many other physician loans exclude entire professions. This one covers MDs, DOs, dentists, optometrists, pharmacists, veterinarians, PAs, NPs, RNs, CRNAs, chiropractors, and residents/fellows/interns.

✅ 0% down
✅ No PMI
✅ Student loan debt underwritten differently
✅ Deferred/forbearance payments may not count against you if you're in residency or fellowship

This is a purpose-built loan for medical professionals the traditional system overlooks early in their career.

👇 Comment "Doctor" below and I can provide you with all of the amazing details.

07/27/2026

What does your Mom do for work? Mortgage edition. Plus a little show and tell. 🏡

07/21/2026

07/17/2026

What is an escrow account? 🏠

Think of it as a savings account built into your mortgage, one that covers your property taxes and homeowners insurance for you.

Instead of paying a big lump sum once a year, escrowing means those costs get folded into your monthly payment. It’s one of the easiest ways to budget and avoid surprise bills.

Most lenders require at least 20% down to waive escrows, but we work with several who have no restrictions, so you may have more flexibility than you think.

Curious if escrowing makes sense for you? Drop “ESCROW” in the comments and let’s talk. 👇

07/10/2026

Thinking about paying thousands to lower your interest rate? 🔎 Let’s talk about it first! Before you decide on buying points, it’s crucial to understand how it impacts your financial goals and where the market stands. The key factor in this decision: knowing your break-even point.
Curious about what makes the most sense for you and your future? Comment below or send me a message, and let’s figure it out together!
www.opendoorlending.com
RVA RVARea|Estate
RealEstate BrokersAreBest
This is for informational purposes only and is not financial advice. Discount point costs, savings, and break-even timelines vary based on loan amount, rate, and individual circumstances.
Subject to borrower approval. NMLS 266528 | Company NMLS
212405 | Equal Housing Lender | www.nmlsconsumeraccess.org

07/07/2026

Ever dreamed of cutting your mortgage payment without refinancing? 🌟Meet the recast, a hassle-free option my clients rave about. It lets you use proceeds from your home sale to pay down your new mortgage, lowering your payment while keeping your rate competitive, all without the stress of a simultaneous sale. Most importantly, it allows you to be more competitive by eliminating the contingency of the sale of your current home.
But not every lender offers this option. As your trusted Mortgage Loan Officer, I always recommend prioritizing lenders who do.
Drop your questions in the comments, or reach out to see if a recast is the right move for you!
opendoorlending.com

rva realestate noncontingent
Example shown is for illustrative purposes only. Actual savings and tees vary by lender and loan terms. NMLS 266528 | Company NMLS 212405 Equal Housing Lender
www.nmisconsumeraccess.org

06/29/2026

Myth: You Need 20% Down to Buy a Home 🏡

Did you know the belief that you need a 20% down payment is a myth? Here's the truth: FHA loans start at just 3.5% down, and conventional loans can start between 3-5%. Plus, there are so many grant and down payment assistance programs out there that can cover most, if not all, of this.
Why wait years and let home prices rise? Remember, your rent contributes to your landlord's wealth, not yours.
Let's make your dreams of homeownership a reality! 💪

📲 Comment "READY" and I'll send over a full breakdown on how to get started.

Kristin O'Neil
NMLS # 266528
Company NMLS #212405 www.nmlsconsumeraccess.org

👉 opendoorlending.com

06/25/2026

Mortgage Tip: Don't Move Big Money Right Before You Apply 🏦
Here's one that surprises a lot of buyers: avoid moving large sums between your accounts before applying for a mortgage.
Lenders track every significant deposit, so even money that's 100% yours can turn into a paperwork headache if it's not properly sourced. Save yourself the back and forth by keeping your funds put until we map out a plan together.
📲 Ready to buy with confidence? Send me a DM or click the link below to get pre-approved and start your home journey the right way.
👉 opendoorlending.com